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Cyber Liability Insurance in Colorado

Colorado’s 2026 amendment, effective August 12, 2026, defines a covered entity as a person maintaining, owning, or licensing personal information in business, vocation, or occupation, and excludes a person acting as a third-party service provider. Resident notice generally has a 30-day outside limit after breach determination, but law enforcement may delay it after finding notice would impede a criminal investigation and telling the entity not to send; a separate 30-day outside limit runs after the agency authorizes notice to resume. 3,1

What Is Cyber Liability?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. Read the national Cyber liability guide.

What to Watch for in Colorado

  • Thirty Days From the Breach Determination

    A covered entity that becomes aware of a possible breach must make a good-faith, prompt investigation into likely misuse. It must notify affected Colorado residents unless that investigation finds misuse has not occurred and is not reasonably likely; notice is due as expeditiously as possible and without unreasonable delay, no later than 30 days after breach determination. A law enforcement agency may delay notice only after determining it would impede a criminal investigation and notifying the covered entity not to send; after the agency determines the impediment has ended and tells the entity to send notice, the outside limit restarts at 30 days from that agency notice. Record both the investigation finding and the agency’s restart date. 1,2

  • Attorney General Filing Starts at 500

    If the breach is reasonably believed to affect at least 500 Colorado residents, the covered entity must also notify the Colorado Attorney General within the statutory period, unless investigation finds misuse did not occur and is not likely. The law-enforcement delay in subsection (2)(c) also applies to notice under this section; after the agency authorizes notice to resume, the 30-day outside clock runs from that agency notice. Track the resident count, misuse finding, and restart date. 1,2

  • Third-Party Service Providers Have a Separate Duty

    Colorado’s August 12, 2026 amendment excludes a person acting as a third-party service provider from the covered-entity definition; the breach section separately requires a service provider maintaining another entity’s data to alert that covered entity when misuse of a resident’s information occurred or is likely, and to cooperate with relevant information. Ask vendors to route the alert and evidence promptly to the entity that owns or licenses the data. 3,1

  • More Than 1,000 Adds Credit Agencies

    When a covered entity must notify more than 1,000 Colorado residents, it must also tell nationwide consumer reporting agencies the anticipated resident-notice date and approximate number of recipients, without unreasonable delay. The law excludes GLBA-covered entities from this particular step; confirm whether your organization falls within that exception. 1

Who Regulates Insurance in Colorado

Colorado Division of Insurance

The Division administers Colorado insurance laws and regulates insurers and insurance producers. You can search producer licenses through Colorado’s official DORA lookup and send insurance complaints to the Division. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 3% of net premium When Colorado is the insured’s home state, its surplus-lines tax is 3% of taxable premium. The Colorado Surplus Lines Association says insurer or broker fees charged in connection with the placement are included in the tax base; federal or other-state taxes and examination fees are excluded. For multistate risks, a tax-sharing agreement may allocate premium tax to other states. 7,9,8

Providers With Documented State Licenses

These providers publish a national listing for Cyber liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Colorado. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • At-BayAt-Bay Insurance Services LLCInsurance producer, Surplus-lines broker · checked 2026-09-28At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction. 10
  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 11
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. 12
  • HiscoxHiscox Insurance Company Inc.Insurer · checked 2026-09-28Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product. 13
  • RisklyticsRisklytics, Inc.Insurance producer · checked 2026-09-28Risklytics’ licensing page lists its Massachusetts resident agency license plus state license records in Arizona, Colorado, Illinois, Indiana, New Jersey, Ohio, Texas and Washington; it identifies the NPN record date as September 10, 2026. This list is company-published and not a product availability map. 15
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. 16
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 17

Questions to Ask Before You Buy in Colorado

  1. How will our response team document Colorado’s prompt investigation and decide whether resident misuse is reasonably likely?
  2. If at least 500 Colorado residents may be affected, who prepares the Attorney General notice and preserves the investigation’s misuse findings?
  3. Does our vendor contract require prompt escalation and relevant breach information under Colorado’s service-provider rule?
  4. If notice is required for more than 1,000 Colorado residents, does the response plan include the anticipated date/count notice to nationwide consumer reporting agencies, and do we qualify for the GLBA exception?
  5. If law enforcement delays notice, who records the agency’s authorization to resume and resets the 30-day outside deadline?

Cyber Liability in Colorado: FAQ

How long does a Colorado business have to notify residents after a data breach? 1

If the covered entity’s good-faith, prompt investigation finds misuse has occurred or is reasonably likely, notice is due as expeditiously as possible and without unreasonable delay, no later than 30 days after breach determination. A law enforcement agency may delay notice after finding it would impede a criminal investigation and telling the entity not to send; when the agency finds the impediment has ended and authorizes notice, the outside limit is 30 days from that agency notice. If misuse has not occurred and is not reasonably likely, resident notice is not required under this section. 1

When must a Colorado business notify the Attorney General about a breach? 1

If a breach is reasonably believed to affect 500 or more Colorado residents, the covered entity must notify the Attorney General without unreasonable delay and within 30 days after breach determination, unless the investigation finds misuse did not and is not likely to occur. A law-enforcement delay under §6-1-716(2)(c) restarts the 30-day outside limit after the agency says the impediment ended and authorizes notice. 1

Does Colorado require credit-bureau notice after a breach? 1

Yes, if the covered entity must notify more than 1,000 Colorado residents; it must provide nationwide consumer reporting agencies the anticipated notice date and approximate number of residents, except for the statute’s GLBA exception. 1

Cyber Liability in Other States

Other Coverage in Colorado

Sources

  1. Colorado Revised Statutes 2024, Title 6. Colorado General Assembly; C.R.S. § 6-1-716(2)(a), (c)–(g): resident notice deadline; law-enforcement delay and restart deadline; AG filing; consumer-reporting-agency notice and GLBA exception. Official 2024 Title 6 PDF; accessed 2026-09-28. Accessed 2026-09-28.
  2. Colorado Consumer Data Protection Laws: FAQs for Businesses and Government Agencies. Colorado Attorney General; Report a Data Breach; covered persons; investigation, notice timing, AG filing form. Accessed 2026-09-28.
  3. 2026 Colorado Session Law, Chapter 334 (HB 26-1426). Colorado General Assembly; § 22, amending C.R.S. § 6-1-716(1)(a)–(b) and (2)(a.3)(I); signed June 2, 2026; effective August 12, 2026. Accessed 2026-09-28.
  4. Colorado Division of Insurance. Colorado Department of Regulatory Agencies; Official insurance regulator homepage; DOI oversight and consumer resources. Accessed 2026-09-28.
  5. DORA Online Services. Colorado Department of Regulatory Agencies; Official DORA online services portal; select Online License Verification and insurance profession. Accessed 2026-09-28.
  6. File a Complaint. Colorado Division of Insurance; Official form and instructions for insurance complaints. Accessed 2026-09-28.
  7. HB23-1111: Unauthorized Insurance Premium Tax Rate. Colorado General Assembly; Enacted bill harmonizes unauthorized insurance tax rate at 3%, effective January 1, 2024; parity with surplus-lines rate. Accessed 2026-09-28.
  8. Frequently Asked Questions. Surplus Lines Association of Colorado; FAQ: Colorado home-state tax; fee charged by insurer or broker in connection with placement included in premium base; qualifying federal/other-state taxes and examination fees excluded; commercial exempt policyholder due-diligence exception. Accessed 2026-09-28.
  9. Colorado Revised Statutes, Title 10 (2024). Colorado General Assembly, Office of Legislative Legal Services; C.R.S. § 10-5-111.5, surplus-lines premium tax and home-state application. Accessed 2026-09-28.
  10. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  11. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  12. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  13. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  14. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  15. About Risklytics. Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16.
  16. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  17. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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